C
Carthage Savings and Loan, National Association
Rating Date
March 2026
Risk Based
Capital Ratio
25.96
Leverage
Ratio
12.59
Return On
Assets
0.50%
Total
Assets
304.26M
Capital
45.62M
Total
Deposits
251.17M
Net
Income
1.54M
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Weiss Ratings Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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Rating C
Asset Quality Index 9.70
Capitalization Index 10.00
Liquidity Index 0.60
Profitability Index 2.80
Stability Index 7.30
Company Info Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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FDIC Number 28942
Phone Number (315) 493-3480
Website www.carthagesavings.com
Asset Quality Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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1-Year Asset Growth 1.65%
5-Year Asset Growth 1.90%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.04%
Non-Performing Loans to Capital 0.34%
Non-Performing Loans to Loans 0.20%
Balance Sheet Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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Total Assets 304.26M
Total Deposits 251.17M
Capital and Reserves Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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Capital 45.62M
Leverage Ratio 12.59
Loan Loss Reserves to Loans 0.63%
Risk-Based Capital Ratio 25.96
Liquidity Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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Hot Money Ratio 30.04%
Liquidity Ratio 7.31%
Profitability Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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5-Year Return on Average Assets 0.51%
Net Income 1.54M
Net Interest Spread 2.92%
Operating Profit to Average Assets 0.62%
Overhead Efficiency Ratio 76.78%
Return on Assets 0.50%
Return on Equity 3.54%